Car insurance costs in New Hampshire depend on various variables, including driver history and vehicle type. State laws and insurer risk profiles also play a part in your premium costs. Being aware of how these variables impact rates can help you select coverage appropriate to your needs and save money on premiums.
WalletHub’s New Hampshire Car Insurance Calculator makes it easy and cost-effective to estimate how much car insurance will cost and which options are available. Simply answer a few questions for personalized quotes from top carriers within minutes or less!
When Will Your Rates Go Up After An Accident? Your premium could increase after being at fault in an accident, depending on its specifics and how your insurer handles it. In general, reporting incidents as soon as they happen to avoid having them impact negatively upon your rate – though good driving habits and an excellent credit history will likely keep this from occurring in most instances.
New Hampshire is an at-fault state, meaning whoever caused an accident will be responsible for filing and paying any claims related to that collision. While not ideal, drivers in New Hampshire should carry at least $25,000 bodily injury liability per person and $50,000 property damage liability per accident with additional uninsured/underinsured motorist coverage of $25,000 per incident of property damage/property loss/medical payments coverage of $1,000 each per year as necessary.
Age can play an enormous role in New Hampshire rates, as teens are more prone to accidents than older drivers. Adding a teenage driver can increase premiums up to threefold; ultimately the decision whether or not you add one should remain yours alone.
Your vehicle’s make and model can have an effect on its insurance rates, as certain models can be more costly to repair or replace than others. Furthermore, certain models are more prone to theft or damages, which could require extra precautions or higher liability limits.
Premium amounts can also vary based on city. Traffic congestion or crime rates in certain locations are one factor insurers use when estimating what it will cost them to insure a driver in an area and providing estimates to drivers themselves.
No matter where you reside in New Hampshire, car insurance options should be available to you. Popular insurers in the state include Geico, State Farm, and Progressive; however residents can also find affordable policies from Safeco and Liberty Mutual.
WalletHub editors have conducted extensive research to find and rank the top car insurance providers for various categories, such as families, young adults, college students, and seniors. We’ve done all the hard work for you by compiling a list of these car insurers that best suit each group’s needs.